Disaster planning and Disaster recovery are topics most businesses don’t want to think about. 

The time it takes for a business to return to something like normal operating levels depends on a number of key issues:

Following a disaster, it is anything but ‘business as usual’ for you, your employees and customers. The faster you can return your business to some level of normal operations, the quicker you can restore your income, jobs, and the goods and services you supply to your customers. However, research shows that up to 40% of businesses affected by a disaster may never reopen.

3 steps for the disaster assistance process

Check disaster declarations

See if the SBA has issued a disaster declaration in your area.

Apply for a disaster loan

Loans are available for businesses and homes affected by disaster.

Check your status

Log in to your account and check your email for updates.


Navigating A Business Crisis

Practical strategies for Cash Management, Pricing & Cost Containment, Supply Chain Management, and Marketing to help small businesses effectively navigate through a Business Crisis.

Managing In Times Of Financial Difficulty

This checklist is designed to give guidance to businesses on how they can manage through difficult times. Small businesses need to take action when the going gets tough. While there is no single cure-all, there are many steps a business owner can take to manage through the difficult times and position the business for future growth.

Reopening Your Business After A Disaster

Following a disaster, the immediate reaction of many business owners is to reopen their business as soon as possible. However, a post disaster environment is anything but ‘business as usual’ for you, your employees, key suppliers and customers.

Disaster Relief Webinar


Federal Disaster Loan Programs

U.S. SBA Business Physical Disaster Loan

The SBA’s Business Physical Disaster Loan program loans to businesses to repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment. Businesses of any size and most private nonprofit organizations may apply to the SBA for a loan to recover after a disaster.

The SBA Business Physical Disaster Loan covers disaster losses not fully covered by insurance. If you are required to apply insurance proceeds to an outstanding mortgage on the damaged property, you can include that amount in your disaster loan application.

Learn More and Apply Online: https://disasterloanassistance.sba.gov/ela/s/


U.S. SBA Economic Injury Disaster Loan

The SBA’s Economic Injury Disaster Loan program provides capital loans to help small businesses, small agricultural cooperatives, and most private, non-profit organizations meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period.

EIDL assistance is available only to small businesses when SBA determines they are unable to obtain credit elsewhere.

A business may qualify for both an EIDL and a physical disaster loan. The maximum combined loan amount is $2 million.

Learn More and Apply:  https://disasterloanassistance.sba.gov/ela/s/

To be considered for all forms of disaster assistance, applicants should register online at DisasterAssistance.gov or download the FEMA mobile app. If online or mobile access is unavailable, applicants should call the FEMA toll-free helpline at 800-621-3362. Those who use 711-Relay or Video Relay Services should call 800-621-3362.

Businesses and individuals may also obtain information and loan applications by calling the SBA’s Customer Service Center at 1-800-659-2955 (1-800-877-8339 for the deaf and hard-of-hearing) or emailing DisasterCustomerService@sba.gov. Loan applications can also be downloaded at sba.gov/disaster. Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

Our Kentucky SBDC Business Coaches Are Here To Help Your Business Recover

Our Business Coaches Are Available To Help You Navigate Disaster Assistance Programs And Develop A Plan For Reopening. Give us a call at 1-888-414-7232.

For additional information, call toll-free within Kentucky at 1-888-414-7232.

Links To Additional Resources

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